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Non-Life Insurance in Finland, Key Trends and Opportunities to 2018

  • ID: 3081805
  • January 2015
  • Region: Finland
  • 286 pages
  • Timetric
1 of 4

FEATURED COMPANIES

  • A-Vakuutus Ltd
  • LocalTapiola Regional's
  • Pohjola Insurance Ltd
  • Turva Mutual Insuranc
  • MORE

Non-life insurance was the second-largest segment in the Finnish insurance industry in 2013, with 17.2% of its gross written premium. However, the segment is underpenetrated, with a penetration rate of just 1.89% in 2013. This indicates positive growth potential, especially in categories such as motor and property insurance.
Over the forecast period, the growth of the non-life segment is expected to be driven by Finland’s growing automobile and construction sectors. The implementation of Solvency II will increase the financial stability with enhanced capital adequacy ratio of non-life insurers operating in Finland.
The non-life segment’s gross written premium increased at a compound annual growth rate (CAGR) of 4.6% during the review period (2009-2013). The value is projected to register a CAGR of 5.7% over the forecast period (2013-2018).

Summary:

The report provides in-depth market analysis, information and insights into the Finnish non-life insurance segment, including:

- The Finnish non-life insurance segment’s growth prospects by non-life insurance category

- Key trends, drivers and challenges for the non-life insurance segment READ MORE >

Note: Product cover images may vary from those shown
2 of 4

FEATURED COMPANIES

  • A-Vakuutus Ltd
  • LocalTapiola Regional's
  • Pohjola Insurance Ltd
  • Turva Mutual Insuranc
  • MORE

1 Key Facts and Events
2 Executive Summary
3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology
4 Finnish Insurance Industry Attractiveness
4.1 Insurance Industry Size, 2009-2018
5 Non-Life Insurance Outlook
5.1 Consumer Segmentation
5.2 Key Drivers
5.3 Key Trends
5.4 Challenges
5.5 Non-Life Insurance Growth Prospects by Category
5.6 Property Insurance
5.6.1 Fire and allied perils insurance
5.6.2 Engineering insurance
5.6.3 Agriculture insurance
5.6.4 Other property insurance
5.7 Motor Insurance
5.7.1 Motor hull insurance
5.7.2 Motor third-party insurance
5.8 Liability Insurance
5.8.1 Workmen’s compensation, industrial accident and employer liability insurance
5.8.2 Other liability insurance
5.9 Marine, Aviation and Transit Insurance
5.9.1 Marine hull insurance
5.9.2 Aviation hull insurance
5.9.3 Transit insurance
6 Analysis by Distribution Channel
6.1 Direct Marketing
6.2 Bancassurance
6.3 Agencies
6.4 E-Commerce
6.5 Brokers
6.6 Other Channels
7 Governance, Risk and Compliance
7.1 Legislation Overview and Historical Evolution
7.2 Regulations by Type of Insurance
7.2.1 Life insurance regulations
7.2.2 Property insurance regulations
7.2.3 Motor insurance regulations
7.2.4 Marine, aviation and transit insurance regulations
7.2.5 Personal accident and health insurance regulations
7.3 Compulsory Insurance
7.3.1 Motor third-party liability insurance
7.3.2 Workers’ compensation insurance
7.3.3 Air carriers and aircraft operators insurance
7.4 Supervision and Control
7.4.1 International Association of Insurance Supervisors (IAIS)
7.4.2 European Insurance and Occupational Pension Authority (EIOPA)
7.4.3 Financial Supervisory Authority (FSA)
7.5 Non-Admitted Insurance Regulations
7.5.1 Overview
7.5.2 Intermediaries
7.5.3 Market practices
7.5.4 Fines and penalties
7.6 Company Registration and Operations
7.6.1 Types of insurance organization
7.6.2 Establishing a local company
7.6.3 Foreign ownership
7.6.4 Types of license
7.6.5 Capital requirements
7.6.6 Solvency margins
7.6.7 Reserve requirements
7.6.8 Investment regulations
7.6.9 Statutory return requirements
7.6.10 Fee structure
7.7 Taxation
7.7.1 Insurance premium or policy taxation
7.7.2 Withholding tax on insurance premium paid overseas
7.7.3 Corporate tax
7.7.4 VAT
7.7.5 Captives
7.8 Legal System
7.8.1 Introduction
7.8.2 Access to court
7.8.3 Alternative dispute resolution (ADR)
8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in the Finnish Non-Life Insurance Segment
8.3 Comparison of the Top Five Insurers
8.3.1 Gross written premium
8.3.2 Paid claims
8.3.3 Incurred loss
8.3.4 Total assets
8.4 Leading Non-Life Insurers - New Product Launches
8.5 Leading Non-Life Insurers - Key Developments
8.6 Pohjola Insurance Ltd - Company Overview
8.6.1 Pohjola Insurance Ltd - key facts
8.6.2 Pohjola Insurance Ltd - key financials
8.7 If P&C Insurance Company Ltd - Company Overview
8.7.1 If P&C Insurance Company Ltd - key facts
8.7.2 If P&C Insurance Company Ltd - key financials
8.8 LocalTapiola General Mutual Insurance Company - Company Overview
8.8.1 LocalTapiola General Mutual Insurance Company - key facts
8.8.2 LocalTapiola General Mutual Insurance Company - key financials
8.9 Fennia Mutual Insurance Company - Company Overview
8.9.1 Fennia Mutual Insurance Company - key facts
8.9.2 Fennia Mutual Insurance Company - key financials
8.1 LocalTapiola Regional's - Company Overview
8.10.1 LocalTapiola Regional's - key facts
8.10.2 LocalTapiola Regional's - key financials
8.11 A-Vakuutus Ltd - Company Overview
8.11.1 A-Vakuutus Ltd - key facts
8.11.2 A-Vakuutus Ltd - key financials
8.12 Pohjantähti Mutual Insurance Company - Company Overview
8.12.1 Pohjantähti Mutual Insurance Company - key facts
8.12.2 Pohjantähti Mutual Insurance Company - key financials
8.13 Turva Mutual Insurance Company - Company Overview
8.13.1 Turva Mutual Insurance Company - key facts
8.13.2 Turva Mutual Insurance Company - key financials
8.14 Folksam Non-Life Insurance Company Ltd - Company Overview
8.14.1 Folksam Non-Life Insurance Company Ltd - key facts
8.14.2 Folksam Non-Life Insurance Company Ltd - key financials
8.15 Försäkringsaktiebolaget Alandia - Company Overview
8.15.1 Försäkringsaktiebolaget Alandia - key facts
8.15.2 Försäkringsaktiebolaget Alandia - key financials
9 Appendix - 1
9.1 Business Confidence
9.1.1 Market capitalization trend - Helsinki Stock Exchange (HSE), Finland
9.2 Economic Performance
9.2.1 GDP at constant prices (US$)
9.2.2 GDP per capita at constant prices (US$)
9.2.3 GDP at current prices (US$)
9.2.4 GDP per capita at current prices (US$)
9.2.5 GDP by key sector
9.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
9.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
9.2.8 Manufacturing net output at current prices (US$)
9.2.9 Manufacturing net output at current prices as a percentage of GDP
9.2.10 Mining, manufacturing and utilities at current prices (US$)
9.2.11 Mining, manufacturing and utilities at current prices as percentage of GDP
9.2.12 Construction net output at current prices (US$)
9.2.13 Construction net output at current prices as a percentage of GDP
9.2.14 Inflation rate
9.2.15 Exports as a percentage of GDP
9.2.16 Imports as a percentage of GDP
9.2.17 Merchandise exports growth
9.2.18 Merchandise imports growth
9.2.19 Annual average exchange rate US$-EUR
9.3 Infrastructure
9.3.1 Commercial vehicle exports - total value
9.3.2 Commercial vehicle imports - total value
9.3.3 Automotive exports - total value
9.3.4 Automotive imports - total value
9.3.5 Total internet subscribers
9.4 Labor Force
9.4.1 Labor force
9.4.2 Unemployment rate
9.5 Demographics
9.5.1 Household consumption expenditure (US$)
9.5.2 Total population
9.5.3 Urban and rural populations
9.5.4 Age distribution of the total population
9.5.5 Life expectancy
10 Appendix - 2
10.1 Methodology
10.2 Contact
10.3 About
10.4 Services
10.5 Disclaimer

List of Tables
Table 1: Finnish Non-Life Insurance - Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Finnish Insurance - Gross Written Premium by Segment (EUR Billion), 2009-2013
Table 4: Finnish Insurance - Gross Written Premium by Segment (US$ Billion), 2009-2013
Table 5: Finnish Insurance - Gross Written Premium by Segment (EUR Billion), 2013-2018
Table 6: Finnish Insurance - Gross Written Premium by Segment (US$ Billion), 2013-2018
Table 7: Finnish Insurance - Segmentation, Gross Written Premium (Percentage Share), 2009-2018
Table 8: Finnish Insurance - Direct Written Premium by Segment (EUR Billion), 2009-2013
Table 9: Finnish Insurance - Direct Written Premium by Segment (US$ Billion), 2009-2013
Table 10: Finnish Insurance - Direct Written Premium by Segment (EUR Billion), 2013-2018
Table 11: Finnish Insurance - Direct Written Premium by Segment (US$ Billion), 2013-2018
Table 12: Finnish Insurance - Segmentation, Direct Written Premium (Percentage Share), 2009-2018
Table 13: Finnish Non-Life Insurance - Gross Written Premium by Category (EUR Billion), 2009-2013
Table 14: Finnish Non-Life Insurance - Gross Written Premium by Category (US$ Billion), 2009-2013
Table 15: Finnish Non-Life Insurance - Gross Written Premium by Category (EUR Billion), 2013-2018
Table 16: Finnish Non-Life Insurance - Gross Written Premium by Category (US$ Billion), 2013-2018
Table 17: Finnish Non-Life Insurance - Direct Written Premium by Category (EUR Billion), 2009-2013
Table 18: Finnish Non-Life Insurance - Direct Written Premium by Category (US$ Billion), 2009-2013
Table 19: Finnish Non-Life Insurance - Direct Written Premium by Category (EUR Billion), 2013-2018
Table 20: Finnish Non-Life Insurance - Direct Written Premium by Category (US$ Billion), 2013-2018
Table 21: Finnish Non-Life Insurance - Earned Premium (EUR Billion), 2009-2013
Table 22: Finnish Non-Life Insurance - Earned Premium (EUR Billion), 2013-2018
Table 23: Finnish Non-Life Insurance - Paid Claims by Category (EUR Billion), 2009-2013
Table 24: Finnish Non-Life Insurance - Paid Claims by Category (US$ Billion), 2009-2013
Table 25: Finnish Non-Life Insurance - Paid Claims by Category (EUR Billion), 2013-2018
Table 26: Finnish Non-Life Insurance - Paid Claims by Category (US$ Billion), 2013-2018
Table 27: Finnish Non-Life Insurance - Incurred Loss by Category (EUR Billion), 2009-2013
Table 28: Finnish Non-Life Insurance - Incurred Loss by Category (US$ Billion), 2009-2013
Table 29: Finnish Non-Life Insurance - Incurred Loss by Category (EUR Billion), 2013-2018
Table 30: Finnish Non-Life Insurance - Incurred Loss by Category (US$ Billion), 2013-2018
Table 31: Finnish Non-Life Insurance - Retentions by Category (EUR Billion), 2009-2013
Table 32: Finnish Non-Life Insurance - Retentions by Category (US$ Billion), 2009-2013
Table 33: Finnish Non-Life Insurance - Retentions by Category (EUR Billion), 2013-2018
Table 34: Finnish Non-Life Insurance - Retentions by Category (US$ Billion), 2013-2018
Table 35: Finnish Non-Life Insurance - Loss Ratio (%), 2009-2013
Table 36: Finnish Non-Life Insurance - Loss Ratio (%), 2013-2018
Table 37: Finnish Non-Life Insurance - Commissions and Expenses (EUR Billion), 2009-2013
Table 38: Finnish Non-Life Insurance - Commissions and Expenses (EUR Billion), 2013-2018
Table 39: Finnish Non-Life Insurance - Combined Ratio (%), 2009-2013
Table 40: Finnish Non-Life Insurance - Combined Ratio (%), 2013-2018
Table 41: Finnish Non-Life Insurance - Fraud and Crimes (EUR Billion), 2009-2013
Table 42: Finnish Non-Life Insurance - Fraud and Crimes (EUR Billion), 2013-2018
Table 43: Finnish Non-Life Insurance - Total Assets (EUR Billion), 2009-2013
Table 44: Finnish Non-Life Insurance - Total Assets (EUR Billion), 2013-2018
Table 45: Finnish Non-Life Insurance - Total Investment Income (EUR Billion), 2009-2013
Table 46: Finnish Non-Life Insurance - Total Investment Income (EUR Billion), 2013-2018
Table 47: Finnish Non-Life Insurance - Retentions (EUR Billion), 2009-2013
Table 48: Finnish Non-Life Insurance - Retentions (EUR Billion), 2013-2018
Table 49: Finnish Property Insurance - Gross Written Premium by Sub-Category (EUR Million), 2009-2013
Table 50: Finnish Property Insurance - Gross Written Premium by Sub-Category (US$ Million), 2009-2013
Table 51: Finnish Property Insurance - Gross Written Premium by Sub-Category (EUR Million), 2013-2018
Table 52: Finnish Property Insurance - Gross Written Premium by Sub-Category (US$ Million), 2013-2018
Table 53: Finnish Property Insurance - Direct Written Premium by Sub-Category (EUR Million), 2009-2013
Table 54: Finnish Property Insurance - Direct Written Premium by Sub-Category (US$ Million), 2009-2013
Table 55: Finnish Property Insurance - Direct Written Premium by Sub-Category (EUR Million), 2013-2018
Table 56: Finnish Property Insurance - Direct Written Premium by Sub-Category (US$ Million), 2013-2018
Table 57: Finnish Property Insurance - Loss Ratio (%), 2009-2013
Table 58: Finnish Property Insurance - Loss Ratio (%), 2013-2018
Table 59: Finnish Fire and Allied Perils Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 60: Finnish Fire and Allied Perils Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 61: Finnish Fire and Allied Perils Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 62: Finnish Fire and Allied Perils Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 63: Finnish Engineering Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 64: Finnish Engineering Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 65: Finnish Engineering Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 66: Finnish Engineering Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 67: Finnish Agriculture Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 68: Finnish Agriculture Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 69: Finnish Agriculture Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 70: Finnish Agriculture Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 71: Finnish Other Property Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 72: Finnish Other Property Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 73: Finnish Other Property Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 74: Finnish Other Property Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 75: Finnish Motor Insurance - Gross Written Premium by Sub-Category (EUR Billion), 2009-2013
Table 76: Finnish Motor Insurance - Gross Written Premium by Sub-Category (US$ Billion), 2009-2013
Table 77: Finnish Motor Insurance - Gross Written Premium by Sub-Category (EUR Billion), 2013-2018
Table 78: Finnish Motor Insurance - Gross Written Premium by Sub-Category (US$ Billion), 2013-2018
Table 79: Finnish Motor Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2009-2013
Table 80: Finnish Motor Insurance - Direct Written Premium by Sub-Category (US$ Billion), 2009-2013
Table 81: Finnish Motor Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2013-2018
Table 82: Finnish Motor Insurance - Direct Written Premium by Sub-Category (US$ Billion), 2013-2018
Table 83: Finnish Motor Insurance - Loss Ratio (%), 2009-2013
Table 84: Finnish Motor Insurance - Loss Ratio (%), 2013-2018
Table 85: Finnish Motor Hull Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 86: Finnish Motor Hull Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 87: Finnish Motor Hull Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 88: Finnish Motor Hull Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 89: Finnish Motor Third-Party Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 90: Finnish Motor Third-Party Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 91: Finnish Motor Third-Party Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 92: Finnish Motor Third-Party Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 93: Finnish Liability Insurance - Gross Written Premium by Sub-Category (EUR Billion), 2009-2013
Table 94: Finnish Liability Insurance - Gross Written Premium by Sub-Category (US$ Billion), 2009-2013
Table 95: Finnish Liability Insurance - Gross Written Premium by Sub-Category (EUR Million), 2013-2018
Table 96: Finnish Liability Insurance - Gross Written Premium by Sub-Category (US$ Million), 2013-2018
Table 97: Finnish Liability Insurance - Direct Written Premium by Sub-Category (EUR Million), 2009-2013
Table 98: Finnish Liability Insurance - Direct Written Premium by Sub-Category (US$ Million), 2009-2013
Table 99: Finnish Liability Insurance - Direct Written Premium by Sub-Category (EUR Million), 2013-2018
Table 100: Finnish Liability Insurance - Direct Written Premium by Sub-Category (US$ Million), 2013-2018
Table 101: Finnish Liability Insurance - Loss Ratio (%), 2009-2013
Table 102: Finnish Liability Insurance - Loss Ratio (%), 2013-2018
Table 103: Finnish Workmen’s Compensation, Industrial Accident and Employer Liability Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 104: Finnish Workmen’s Compensation, Industrial Accident and Employer Liability Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 105: Finnish Workmen’s Compensation, Industrial Accident and Employer Liability Insurance - Written Premium (EUR Million), 2009-2013
Table 106: Finnish Workmen’s Compensation, Industrial Accident and Employer Liability Insurance - Written Premium (EUR Million), 2013-2018
Table 107: Finnish Other Liability Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 108: Finnish Other Liability Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 109: Finnish Other Liability Insurance - Written Premium (EUR Million), 2009-2013
Table 110: Finnish Other Liability Insurance - Written Premium (EUR Million), 2013-2018
Table 111: Finnish Marine, Aviation and Transit Insurance - Gross Written Premium by Sub-Category (EUR Million), 2009-2013
Table 112: Finnish Marine, Aviation and Transit Insurance - Gross Written Premium by Sub-Category (US$ Million), 2009-2013
Table 113: Finnish Marine, Aviation and Transit Insurance - Gross Written Premium by Sub-Category (EUR Million), 2013-2018
Table 114: Finnish Marine, Aviation and Transit Insurance - Gross Written Premium by Sub-Category (US$ Million), 2013-2018
Table 115: Finnish Marine, Aviation and Transit Insurance - Direct Written Premium by Sub-Category (EUR Million), 2009-2013
Table 116: Finnish Marine, Aviation and Transit Insurance - Direct Written Premium by Sub-Category (US$ Million), 2009-2013
Table 117: Finnish Marine, Aviation and Transit Insurance - Direct Written Premium by Sub-Category (EUR Million), 2013-2018
Table 118: Finnish Marine, Aviation and Transit Insurance - Direct Written Premium by Sub-Category (US$ Million), 2013-2018
Table 119: Finnish Marine Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 120: Finnish Marine Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 121: Finnish Marine Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 122: Finnish Marine Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 123: Finnish Aviation Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 124: Finnish Aviation Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 125: Finnish Aviation Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 126: Finnish Aviation Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 127: Finnish Marine, Aviation and Transit Insurance - Loss Ratio (%), 2009-2013
Table 128: Finnish Marine, Aviation and Transit Insurance - Loss Ratio (%), 2013-2018
Table 129: Finnish Marine Hull Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 130: Finnish Marine Hull Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 131: Finnish Marine Hull Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 132: Finnish Marine Hull Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 133: Finnish Aviation Hull Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 134: Finnish Aviation Hull Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 135: Finnish Aviation Hull Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 136: Finnish Aviation Hull Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 137: Finnish Transit Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 138: Finnish Transit Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 139: Finnish Transit Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 140: Finnish Transit Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 141: Finnish Non-Life Insurance - Direct Marketing Commission Paid (EUR Million), 2009-2013
Table 142: Finnish Non-Life Insurance - Direct Marketing Commission Paid (EUR Million), 2013-2018
Table 143: Finnish Non-Life Insurance - Gross Written Premium Through Direct Marketing (EUR Billion), 2009-2013
Table 144: Finnish Non-Life Insurance - Gross Written Premium Through Direct Marketing (EUR Billion), 2013-2018
Table 145: Finnish Non-Life Insurance - Policies Sold Through Direct Marketing (Thousand), 2009-2013
Table 146: Finnish Non-Life Insurance - Policies Sold Through Direct Marketing (Thousand), 2013-2018
Table 147: Finnish Non-Life Insurance - Number of Direct Marketing Distributors, 2009-2013
Table 148: Finnish Non-Life Insurance - Number of Direct Marketing Distributors, 2013-2018
Table 149: Finnish Non-Life Insurance - Bancassurance Commission Paid (EUR Million), 2009-2013
Table 150: Finnish Non-Life Insurance - Bancassurance Commission Paid (EUR Million), 2013-2018
Table 151: Finnish Non-Life Insurance - Gross Written Premium Through Bancassurance (EUR Million), 2009-2013
Table 152: Finnish Non-Life Insurance - Gross Written Premium Through Bancassurance (EUR Million), 2013-2018
Table 153: Finnish Non-Life Insurance - Policies Sold Through Bancassurance (Thousand), 2009-2013
Table 154: Finnish Non-Life Insurance - Policies Sold Through Bancassurance (Thousand), 2013-2018
Table 155: Finnish Non-Life Insurance - Number of Bancassurance Distributors, 2009-2013
Table 156: Finnish Non-Life Insurance - Number of Bancassurance Distributors, 2013-2018
Table 157: Finnish Non-Life Insurance - Commission Paid to Agencies (EUR Million), 2009-2013
Table 158: Finnish Non-Life Insurance - Commission Paid to Agencies (EUR Million), 2013-2018
Table 159: Finnish Non-Life Insurance - Gross Written Premium Through Agencies (EUR Billion), 2009-2013
Table 160: Finnish Non-Life Insurance - Gross Written Premium Through Agencies (EUR Billion), 2013-2018
Table 161: Finnish Non-Life Insurance - Policies Sold Through Agencies (Thousand), 2009-2013
Table 162: Finnish Non-Life Insurance - Policies Sold Through Agencies (Thousand), 2013-2018
Table 163: Finnish Non-Life Insurance - Number of Agencies, 2009-2013
Table 164: Finnish Non-Life Insurance - Number of Agencies, 2013-2018
Table 165: Finnish Non-Life Insurance - E-Commerce Commission Paid (EUR Million), 2009-2013
Table 166: Finnish Non-Life Insurance - E-Commerce Commission Paid (EUR Million), 2013-2018
Table 167: Finnish Non-Life Insurance - Gross Written Premium Through E-Commerce (EUR Million), 2009-2013
Table 168: Finnish Non-Life Insurance - Gross Written Premium Through E-Commerce (EUR Million), 2013-2018
Table 169: Finnish Non-Life Insurance - Policies Sold Through E-Commerce (Thousand), 2009-2013
Table 170: Finnish Non-Life Insurance - Policies Sold Through E-Commerce (Thousand), 2013-2018
Table 171: Finnish Non-Life Insurance - Number of E-Commerce Distributors, 2009-2013
Table 172: Finnish Non-Life Insurance - Number of E-Commerce Distributors, 2013-2018
Table 173: Finnish Non-Life Insurance - Commission Paid to Brokers (EUR Million), 2009-2013
Table 174: Finnish Non-Life Insurance - Commission Paid to Brokers (EUR Million), 2013-2018
Table 175: Finnish Non-Life Insurance - Gross Written Premium Through Brokers (EUR Million), 2009-2013
Table 176: Finnish Non-Life Insurance - Gross Written Premium Through Brokers (EUR Million), 2013-2018
Table 177: Finnish Non-Life Insurance - Policies Sold Through Brokers (Thousand), 2009-2013
Table 178: Finnish Non-Life Insurance - Policies Sold Through Brokers (Thousand), 2013-2018
Table 179: Finnish Non-Life Insurance - Number of Brokers, 2009-2013
Table 180: Finnish Non-Life Insurance - Number of Brokers, 2013-2018
Table 181: Finnish Non-Life Insurance - Commission Paid to Other Channels (EUR Million), 2009-2013
Table 182: Finnish Non-Life Insurance - Commission Paid to Other Channels (EUR Million), 2013-2018
Table 183: Finnish Non-Life Insurance - Gross Written Premium Through Other Channels (EUR Million), 2009-2013
Table 184: Finnish Non-Life Insurance - Gross Written Premium Through Other Channels (EUR Million), 2013-2018
Table 185: Finnish Non-Life Insurance - Policies Sold Through Other Channels (Thousand), 2009-2013
Table 186: Finnish Non-Life Insurance - Policies Sold Through Other Channels (Thousand), 2013-2018
Table 187: Finnish Non-Life Insurance - Number of Distributors in Other Channels, 2009-2013
Table 188: Finnish Non-Life Insurance - Number of Distributors in Other Channels, 2013-2018
Table 189: Finland - Life Insurance Regulatory Framework
Table 190: Finland - Property Insurance Regulatory Framework
Table 191: Finland - Motor Insurance Regulatory Framework
Table 192: Finland - Minimum Coverage for Aircraft Third-Party Liability Per Accident and Aircraft
Table 193: Finland - Minimum Capital Requirements
Table 194: Finland - Insurance Premium Taxation
Table 195: Finland - Corporate Tax Rates for the Financial Year 2013
Table 196: Finnish Non-Life Insurance - Segment Shares (%), 2013
Table 197: Pohjola Insurance Ltd, Key Facts
Table 198: Pohjola Insurance Ltd, Key Financials (EUR Million), 2009-2013
Table 199: If P&C Insurance Company Ltd, Key Facts
Table 200: If P&C Insurance Company Ltd, Key Financials (EUR Million), 2009-2013
Table 201: LocalTapiola General Mutual Insurance Company, Key Facts
Table 202: LocalTapiola General Mutual Insurance Co., Key Financials (EUR Million), 2009-2013
Table 203: Fennia Mutual Insurance Company, Key Facts
Table 204: Fennia Mutual Insurance Company, Key Financials (EUR Million), 2009-2013
Table 205: LocalTapiola Regional's, Key Facts
Table 206: LocalTapiola Regional's, Key Financials (EUR Million), 2009-2013
Table 207: A-Vakuutus Ltd, Key Facts
Table 208: A-Vakuutus Ltd, Key Financials (EUR Million), 2009-2013
Table 209: Pohjantähti Mutual Insurance Company, Key Facts
Table 210: Pohjantähti Mutual Insurance Company, Key Financials (EUR Million), 2009-2013
Table 211: Turva Mutual Insurance Company, Key Facts
Table 212: Turva Mutual Insurance Company, Key Financials (EUR Million), 2009-2013
Table 213: Folksam Non-Life Insurance Company Ltd, Key Facts
Table 214: Folksam Non-Life Insurance Company Ltd, Key Financials (EUR Million), 2009-2013
Table 215: Försäkringsaktiebolaget Alandia, Key Facts
Table 216: Försäkringsaktiebolaget Alandia, Key Financials (EUR Million), 2009-2013

List of Figures
Figure 1: Finnish Insurance - Gross Written Premium by Segment (EUR Billion), 2009-2018
Figure 2: Finnish Insurance - Dynamics by Segment, Gross Written premium (2009-2018)
Figure 3: Finnish Insurance - Direct Written Premium by Segment (EUR Billion), 2009-2018
Figure 4: Finnish Insurance - Dynamics by Segment, Direct Written premium (2009-2018)
Figure 5: Finnish Non-Life Insurance - Share of Sub-Categories, 2013
Figure 6: Finnish Distribution of Employment by Sector (%), 2010-2012
Figure 7: Finnish Construction and Manufacturing Net Output (US$ Billion), 2008-2012
Figure 8: Finnish Rural and Urban Populations (%), 2009 and 2013
Figure 9: Total Finnish Vehicle Sales by Category, 2009 and 2013
Figure 10: Finnish Exports and Imports as a Percentage of GDP, 2009-2013
Figure 11: Finnish Non-Life Insurance - Gross Written Premium by Category (EUR Billion), 2009-2018
Figure 12: Finnish Non-Life Insurance - Gross Written Premium by Category (% Share), 2013 and 2018
Figure 13: Finnish Non-Life Insurance - Gross Written Premium Dynamics by Category (%), 2009-2018
Figure 14: Finnish Non-Life Insurance - Direct Written Premium by Category (EUR Billion), 2009-2018
Figure 15: Finnish Non-Life Insurance - Direct Written Premium by Category (% Share), 2013 and 2018
Figure 16: Finnish Non-Life Insurance - Direct Written Premium Dynamics by Category (%), 2009-2018
Figure 17: Finnish Non-Life Insurance - Earned Premium (EUR Billion), 2009-2013
Figure 18: Finnish Non-Life Insurance - Earned Premium (EUR Billion), 2013-2018
Figure 19: Finnish Non-Life Insurance - Paid Claims by Category (EUR Billion), 2009-2018
Figure 20: Finnish Non-Life Insurance - Incurred Loss by Category (EUR Billion), 2009-2018
Figure 21: Finnish Non-Life Insurance - Retentions by Category (EUR Billion), 2009-2018
Figure 22: Finnish Non-Life Insurance - Loss Ratio (%), 2009-2013
Figure 23: Finnish Non-Life Insurance - Loss Ratio (%), 2013-2018
Figure 24: Finnish Non-Life Insurance - Commissions and Expenses (EUR Billion), 2009-2013
Figure 25: Finnish Non-Life Insurance - Commissions and Expenses (EUR Billion), 2013-2018
Figure 26: Finnish Non-Life Insurance - Combined Ratio (%), 2009-2013
Figure 27: Finnish Non-Life Insurance - Combined Ratio (%), 2013-2018
Figure 28: Finnish Non-Life Insurance - Fraud and Crimes (EUR Billion), 2009-2013
Figure 29: Finnish Non-Life Insurance - Fraud and Crimes (EUR Billion), 2013-2018
Figure 30: Finnish Non-Life Insurance - Total Assets (EUR Billion), 2009-2013
Figure 31: Finnish Non-Life Insurance - Total Assets (EUR Billion), 2013-2018
Figure 32: Finnish Non-Life Insurance - Total Investment Income (EUR Billion), 2009-2013
Figure 33: Finnish Non-Life Insurance - Total Investment Income (EUR Billion), 2013-2018
Figure 34: Finnish Non-Life Insurance - Retentions (EUR Billion), 2009-2013
Figure 35: Finnish Non-Life Insurance - Retentions (EUR Billion), 2013-2018
Figure 36: Finnish Non-Life Insurance - Investment Portfolio (EUR Billion), 2009-2013
Figure 37: Finnish Non-Life Insurance - Investment Portfolio (% Share), 2009 and 2013
Figure 38: Finnish Non-Life Insurance - Penetration (%), 2009-2013
Figure 39: Finnish Non-Life Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 40: Finnish Non-Life Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 41: Finnish Non-Life Insurance - Premium per Capita (EUR), 2009-2013
Figure 42: Finnish Property Insurance - Gross Written Premium by Sub-Category (EUR Million), 2009-2018
Figure 43: Finnish Property Insurance - Gross Written Premium Dynamics by Sub-Category (%), 2009-2018
Figure 44: Finnish Property Insurance - Direct Written Premium by Sub-Category (EUR Million), 2009-2018
Figure 45: Finnish Property Insurance - Direct Written Premium Dynamics by Sub-Category (%), 2009-2018
Figure 46: Finnish Property Insurance - Loss Ratio (%), 2009-2013
Figure 47: Finnish Property Insurance - Loss Ratio (%), 2013-2018
Figure 48: Finnish Fire and Allied Perils Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 49: Finnish Fire and Allied Perils Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 50: Finnish Fire and Allied Perils Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 51: Finnish Fire and Allied Perils Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 52: Finnish Engineering Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 53: Finnish Engineering Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 54: Finnish Engineering Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 55: Finnish Engineering Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 56: Finnish Agriculture Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 57: Finnish Agriculture Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 58: Finnish Agriculture Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 59: Finnish Agriculture Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 60: Finnish Other Property Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 61: Finnish Other Property Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 62: Finnish Other Property Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 63: Finnish Other Property Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 64: Finnish Motor Insurance - Gross Written Premium by Sub-Category (EUR Billion), 2009-2018
Figure 65: Finnish Motor Insurance - Gross Written Premium Dynamics by Sub-Category, 2009-2018
Figure 66: Finnish Motor Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2009-2018
Figure 67: Finnish Motor Insurance - Direct Written Premium Dynamics by Sub-Category, 2009-2018
Figure 68: Finnish Motor Insurance - Loss Ratio (%), 2009-2013
Figure 69: Finnish Motor Insurance - Loss Ratio (%), 2013-2018
Figure 70: Finnish Motor Hull Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 71: Finnish Motor Hull Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 72: Finnish Motor Hull Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 73: Finnish Motor Hull Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 74: Finnish Motor Third-Party Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 75: Finnish Motor Third-Party Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 76: Finnish Motor Third-Party Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 77: Finnish Motor Third-Party Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 78: Finnish Liability Insurance - Gross Written Premium by Sub-Category (EUR Million), 2009-2018
Figure 79: Finnish Liability Insurance - Gross Written Premium Dynamics by Sub-Category (%), 2009-2018
Figure 80: Finnish Liability Insurance - Direct Written Premium by Sub-Category (EUR Million), 2009-2018
Figure 81: Finnish Liability Insurance - Direct Written Premium Dynamics by Sub-Category (%), 2009-2018
Figure 82: Finnish Liability Insurance - Loss Ratio (%), 2009-2013
Figure 83: Finnish Liability Insurance - Loss Ratio (%), 2013-2018
Figure 84: Finnish Workmen’s Compensation, Industrial Accident and Employer Liabil

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